Alti tassi d’interesse, grandi benefici per le banche?
Dopo il maggior rialzo dei tassi della storia della BCE, di ben 75 punti base, ci si aspetterebbe che siano le banche a beneficiare maggiormente di questo nuovo scenario economico: in primis, tassi più alti significano interessi più alti sui prestiti e sui mutui.
In un contesto però di elevata inflazione, la domanda dei consumatori potrebbe continuare a diminuire: meno consumi -> meno prestiti -> meno redditività per le banche.
Alcuni clienti delle banche potrebbero anche non riuscire a pagare le nuove rate più alte.
Conviene quindi investire nel settore bancario europeo oggi? Secondo me sì. Nonostante tutto, conviene prendere posizione già oggi, ma a patto che la BCE riesca a domare l’inflazione in breve tempo, riportandola su valori normali.
In questo modo potrà di nuovo normalizzarsi la domanda dei consumatori, sostenendo la profittabilità delle banche nel medio-lungo periodo.
Se al contrario l’inflazione non dovesse accentuarsi, meglio tenersi alla larga dalle azioni delle banche, in attesa di tempi migliori.
Quali sono i migliori titoli azionari bancari su cui si può prendere posizione? $ISP.MI, $FBK.MI (FinecoBank) e $UCG.MI (UniCredit Commercial Bank) sono a mio avviso le 3 banche italiane che possono maggiormente beneficiare di questo nuovo scenario. ... Show More Translate
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Thu Jun 19 2025 19:56:43 GMT+0000 (Coordinated Universal Time)
